| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 1.01% |
| IMAGINE3603 | 12770 MERIT DRIVE DALLAS, TX 75251 | TOKIO MARINE HCC | $7K | $2K | $9K | 13.60% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $209 | $3K | 20.81% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $201 | $4K | 31.97% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $163 | $4K | 35.05% |
| AMERICAN LIFE & CASUALTY3 Filed as: AMERICAN LIFE AND CASUALTY MAR | 11825 PENNSYLVANIA ST CARMEL, IN 46032 | CONSECO | $180 | — | $180 | 3.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS L | 1850 LOCKHILL SELMA SUITE 101 SAN ANTONIO, TX 78213 | CONSECO | $88 | — | $88 | 1.92% |
| CHARLES M. DAVIS3 | 127 CALAIS WAY SHAVANO PARK, TX 78249 | CONSECO | $79 | — | $79 | 1.73% |
| HOME OFFICE-COMMISSION BUYOUT3 | 11825 PENNSYLVANIA ST CARMEL, IN 46032 | CONSECO | $66 | — | $66 | 1.44% |
| JAMES M. ANDERSON3 | 1238 CHINKAPIN PL FLOWER MOUND, TX 75028 | CONSECO | $48 | — | $48 | 1.05% |
| PERFORMANCE MATTERS ASSOCIATES3 | 11825 PENNSYLVANIA ST CARMEL, IN 46032 | CONSECO | $42 | — | $42 | 0.92% |
| INSURANCE RECEIVABLES 6. LLC.3 | 8888 KEYSTONE CROSSING STE 1700 INDIANAPOLIS, IN 46240 | CONSECO | $39 | — | $39 | 0.85% |
| OPTAVISE, LLC Filed as: OPTAVISE LLC | 120 8TH ST S BIRMINGHAM, AL 35233 | CONSECO | $27 | — | $27 | 0.59% |
| CHARLES M. DAVIS3 | 13007 PRINCE FOREST CT SAN ANTONIO, TX 78230 | CONSECO | $24 | — | $24 | 0.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS L | 1850 LOCKHILL SELMA SUITE 101 SAN ANTONIO, TX 78213 | CONSECO | $13 | — | $13 | 0.28% |
| OPTAVISE, LLC Filed as: OPTAVISE LLC | 120 8TH ST S BIRMINGHAM, AL 35233 | CONSECO | $11 | — | $11 | 0.24% |
| MICHAEL S DAVID3 | 5006 ABERDEEN PKWY AMARILLO, TX 79119 | CONSECO | $8 | — | $8 | 0.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RICHARD S LEE | 555 BAYVIEW DRIVE BELLEAIR, FL 33756 | CONSECO | $7 | — | $7 | 0.15% |
| OPTAVISE, LLC3 Filed as: OPTAVISE LLC | 120 8TH ST S BIRMINGHAM, AL 35233 | CONSECO | $4 | — | $4 | 0.09% |
| JAMES PERRY ZANDER3 Filed as: JAMES M. HOBBS | 4141 SAN CARLOS ST DALLAS, TX 75205 | CONSECO | $1 | — | $1 | 0.02% |
| OPTAVISE, LLC3 Filed as: OPTAVISE LLC | 120 8TH ST S BIRMINGHAM, AL 35233 | CONSECO | $1 | — | $1 | 0.02% |
| PAUL GRIFFIN3 | 12025 HUNTERS LAKE DR NEW PRT RCHY, FL 34654 | CONSECO | $0 | — | $0 | 0.00% |
| NICKOLAS RADIVOYEVITCH3 | 1840 W 28TH STREET, APT 17 CLEVELAND, OH 44113 | CONSECO | $0 | — | $0 | 0.00% |
| LINDA TEETS3 | 5905 LOST OAKS DRIVE CARMEL, IN 46033 | CONSECO | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROUP & PENSION ADMINISTRATORS, INC EIN 75-1617587 BENEFIT ADMINISTRATOR | Plan Administrator; Claims processing; Other services Service code 12 | — | $194K |
| CATTO & CATTO BENEFITS, LLP EIN 74-2765358 BROKER | Insurance agents and brokers Service code 22 | — | $85K |
| GUNN GP, LLC EIN 74-3013501 OWNED BY PLAN SPONSOR | Other fees Service code 99 | — | $67K |
| FORVIS LLP EIN 44-0160260 ACCOUNTANT | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $19K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 886 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 886 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 91 | $36K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 886 | $480K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 886 | $480K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 886 | $480K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 886 | $480K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 886 | $480K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE | 467 | $614K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 886 | $550K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 886 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.